Update on BernardinaBernardina has faithfully paid back her previous loan, which she used for her business. She has been operating her own “sari-sari” (variety) store for fifteen years and she earns well from this. Having a bigger family requires more effort to provide for their needs, especially for her children. She had to work hard, with the determination of having better income, to provide her children with a better education.
To improve sales, Bernardina would like to apply for a new loan to purchase additional grocery goods to sell. With PHP 50,000, loan she could purchase more quantities and varieties of grocery items, toiletries and beverages needed in her business. She sincerely lets you know her heartfelt thanks and appreciation for this assistance in advance.
In the future, Bernardina hopes to improve the general living conditions of her family, and she desires to expand her variety store and later on to manage a grocery store. She meets up with her co-fellowship* members to share stories of her life and business every week and to draw strength and inspiration from the fellowship and the Word of God she studies.
*All CCT community partners / clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners. The fellowship groups gather each week to study the Word of God, build social capital, and repay Micro Finance loans.
Previous Loan DetailsBernardina previously accessed a 10,000 PHP loan that she used to purchase more quantities and varieties of grocery items, toiletries and beverages needed in her business. Her earnings were a big help in her personal, household and business expenditures. She would like to apply for another… More from Bernardina's previous loan »
More information about this loan
On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More information >>
About the Center for Community TransformationThe Center for Community Transformation (CCT) is dedicated to the development of communities and lives via spiritual transformation and access to financial services. CCT offers loan products to address the needs of micro-entrepreneurs in the Philippines. The organization’s loan products include small business, education, and housing loans. CCT utilizes a community-based approach to provide a variety of non-financial services that include training and development programs, clinics, disaster relief operations, a low-cost medicine program, and social service programs. CCT offers a unique “Pavement Dweller” program designed to provide food, housing, and job training. CCT also provides education support services to the poorest groups in the Philippines. Find more information about CCT on their website or join their lending team.
Concurrent and Successive Loans
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Success!! The loan was 100% repaid